{"id":21333,"date":"2026-04-17T11:21:32","date_gmt":"2026-04-17T11:21:32","guid":{"rendered":"https:\/\/domek-nl.bearwithus.nl\/faq\/"},"modified":"2026-05-28T14:12:19","modified_gmt":"2026-05-28T14:12:19","slug":"duk","status":"publish","type":"page","link":"https:\/\/domek-nl.bearwithus.nl\/lt\/duk\/","title":{"rendered":"FAQ LT"},"content":{"rendered":"\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group alignwide is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\"><section id=\"block_b4d5e5cca55c480d4cc513b6b71ea21d\" class=\"block-questions \">\n\t<div class=\"block-questions__inner\">\n\t\t\t\t\t<div class=\"block-questions__content\">\n\t\t\t\t\n\n<h2 class=\"wp-block-heading has-text-align-left\">Da\u017enai u\u017eduodami klausimai<\/h2>\n\n\n\t\t\t<\/div>\n\t\t\n\t\t<div\n\t\t\tclass=\"block-questions__list\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-8244\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8244\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8244\">\n            <span class=\"accordion-item__header\">Ar Domek gali pad\u0117ti man rasti nam\u0105 ir sutvarkyti hipotek\u0105?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8244\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8244\">\n        <div class=\"accordion-item__body\">\n            <p>Taip \u2014 ir b\u016btent tai mus i\u0161skiria. Dauguma konsultant\u0173 r\u016bpinasi tik hipoteka. Domek padeda jums rasti tinkam\u0105 nekilnojam\u0105j\u012f turt\u0105, veda per si\u016blymo proces\u0105, sutvarko hipotek\u0105, paruo\u0161ia draudim\u0105 ir padeda su komunalin\u0117mis paslaugomis bei mokes\u010di\u0173 registracija. Niekas neapima visko taip kaip mes.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-8310\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8310\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8310\">\n            <span class=\"accordion-item__header\">Ar Domek gali pad\u0117ti mano kalba?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8310\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8310\">\n        <div class=\"accordion-item__body\">\n            <p>Taip. Si\u016blome asmenin\u0119 pagalb\u0105 daugiau nei 12 kalb\u0173, \u012fskaitant lenk\u0173, rumun\u0173, lietuvi\u0173, vengr\u0173, ispan\u0173, bulgar\u0173, hindi, ukrainie\u010di\u0173, portugal\u0173, turk\u0173 ir rus\u0173. Visada dirbsite su konsultantu, kuris kalba j\u016bs\u0173 kalba ir supranta j\u016bs\u0173 situacij\u0105 kaip u\u017esienie\u010dio Nyderlanduose.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-8124\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8124\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8124\">\n            <span class=\"accordion-item__header\">Ar galiu nusipirkti nam\u0105 Nyderlanduose, jei nesu Nyderland\u0173 pilietis?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8124\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8124\">\n        <div class=\"accordion-item__body\">\n            <p>Taip. Jums nereikia Nyderland\u0173 pilietyb\u0117s, kad gal\u0117tum\u0117te nusipirkti nam\u0105 Nyderlanduose. Nesvarbu, ar turite ES pas\u0105, ar leidim\u0105 gyventi, galite kreiptis d\u0117l hipotekos ir \u012fsigyti nekilnojam\u0105j\u012f turt\u0105. Domek pad\u0117jo t\u016bkstan\u010diams u\u017esienie\u010di\u0173 \u2014 nuo auk\u0161tos kvalifikacijos migrant\u0173 iki darbo migrant\u0173 \u2014 pereiti \u0161\u012f proces\u0105 nuo prad\u017eios iki pabaigos.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-8828\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8828\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8828\">\n            <span class=\"accordion-item__header\">Ar galiu nusipirkti but\u0105 Nyderlanduose, jei nesu Nyderland\u0173 gyventojas?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8828\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8828\">\n        <div class=\"accordion-item__body\">\n            <p>Taip. J\u016bs\u0173 pilietyb\u0117 ir gyvenamosios vietos statusas netrukdo jums \u012fsigyti buto Nyderlanduose. Nesvarbu, ar esate kvalifikuotas migrantas, darbo migrantas ar ES pilietis, Domek pad\u0117s jums visame procese \u2014 nuo tinkamo buto paie\u0161kos iki hipotekos u\u017ebaigimo.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-8153\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8153\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8153\">\n            <span class=\"accordion-item__header\">Ar man reikia nuolatinio leidimo gyventi, kad gau\u010diau hipotek\u0105?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8153\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8153\">\n        <div class=\"accordion-item__body\">\n            <p>Neb\u016btinai. Daugelis bank\u0173 si\u016blo hipotek\u0105 \u017emon\u0117ms, turintiems laikin\u0105 leidim\u0105 gyventi, priklausomai nuo j\u016bs\u0173 pajam\u0173, darbdavio ir leidimo tipo. Mes tiksliai \u017einome, kurie kreditoriai yra atviri j\u016bs\u0173 situacijai, ir parinksime jums tinkam\u0105 bank\u0105 \u2014 kad negai\u0161tum\u0117te laiko kreipdamiesi \u012f netinkamus.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-8210\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8210\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8210\">\n            <span class=\"accordion-item__header\">Ar turiu \u012fne\u0161ti savo pinigus pirkdamas nam\u0105?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8210\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8210\">\n        <div class=\"accordion-item__body\">\n            <p>Tai priklauso nuo j\u016bs\u0173 individualios finansin\u0117s situacijos. Kai kuriais atvejais galima finansuoti vis\u0105 pirkimo kain\u0105. Mes kruop\u0161\u010diai \u012fvertiname j\u016bs\u0173 situacij\u0105 ir pritaikome hipotek\u0105 prie j\u016bs\u0173 galimybi\u0173. Kiekviena parai\u0161ka yra skirtinga \u2014 tod\u0117l rekomenduojame tiesiogiai susisiekti su mumis d\u0117l nemokamo pirmojo skai\u010diavimo.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-8288\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8288\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8288\">\n            <span class=\"accordion-item__header\">Kiek laiko trunka namo pirkimas Nyderlanduose?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8288\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8288\">\n        <div class=\"accordion-item__body\">\n            <p>Nuo pirmojo hipotekos skai\u010diavimo iki rakt\u0173 gavimo procesas paprastai trunka 2\u20134 m\u0117nesius. Tinkamo nekilnojamojo turto paie\u0161ka gali u\u017etrukti ilgiau, priklausomai nuo rinkos. Mes esame su jumis viso proceso metu \u2014 nuo paie\u0161kos iki sandorio u\u017ebaigimo \u2014 ir u\u017etikriname, kad procesas jud\u0117t\u0173 \u012f priek\u012f kiekviename \u017eingsnyje.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-8170\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8170\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8170\">\n            <span class=\"accordion-item__header\">Kiek galiu pasiskolinti kaip u\u017esienietis Nyderlanduose?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8170\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8170\">\n        <div class=\"accordion-item__body\">\n            <p>J\u016bs\u0173 maksimali hipoteka priklauso nuo j\u016bs\u0173 bruto pajam\u0173, darbo sutarties ir esam\u0173 finansini\u0173 \u012fsipareigojim\u0173. Kaip u\u017esienie\u010diui, svarb\u016bs ir tokie veiksniai kaip leidimo gyventi trukm\u0117 bei tai, ar j\u016bs\u0173 pajamos yra eurais. Mes nemokamai apskai\u010diuosime j\u016bs\u0173 maksimal\u0173 dyd\u012f ir tiksliai paai\u0161kinsime, kas \u012fmanoma j\u016bs\u0173 situacijoje.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-8227\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8227\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8227\">\n            <span class=\"accordion-item__header\">Dirbu per \u012fdarbinimo agent\u016br\u0105 (uitzendbureau). Ar vis tiek galiu gauti hipotek\u0105?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8227\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8227\">\n        <div class=\"accordion-item__body\">\n            <p>Taip. Net jei dirbate per \u012fdarbinimo agent\u016br\u0105 \u2014 \u012fskaitant Phase A be garantuot\u0173 darbo valand\u0173 \u2014 vis tiek galite kreiptis d\u0117l hipotekos Nyderlanduose. Atsi\u017evelgiama \u012f j\u016bs\u0173 pastar\u0173j\u0173 met\u0173 pajamas. Turime daug patirties su darbo migrantais, dirban\u010diais per agent\u016bras, ir tiksliai \u017einome, kurie bankai yra tam atviri.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-8807\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8807\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8807\">\n            <span class=\"accordion-item__header\">Ar sunkiau gauti hipotek\u0105 butui nei namui?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8807\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8807\">\n        <div class=\"accordion-item__body\">\n            <p>Daugeliu atvej\u0173 ne. Hipotekos procesas butui i\u0161 esm\u0117s yra toks pat kaip ir namui. Pagrindinis skirtumas yra tas, kad kai kurie butai turi papildomas m\u0117nesines prie\u017ei\u016bros i\u0161laidas (VvE \u012fmoka). Mes u\u017etikriname, kad prie\u0161 priimdami sprendim\u0105 tur\u0117tum\u0117te piln\u0105 vis\u0173 i\u0161laid\u0173 vaizd\u0105 \u2014 joki\u0173 netik\u0117tum\u0173.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-8193\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8193\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8193\">\n            <span class=\"accordion-item__header\">Kokios yra bendros namo pirkimo Nyderlanduose i\u0161laidos?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8193\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8193\">\n        <div class=\"accordion-item__body\">\n            <p>Be nekilnojamojo turto kainos, taip pat yra notaro mokes\u010diai, \u012fsigijimo mokes\u010diai arba PVM naujiems projektams ir banko mokes\u010diai. Tiksli suma priklauso nuo regiono ir sandorio tipo \u2013 prie\u0161 priimdami sprendim\u0105 parengsime jums individual\u0173 skai\u010diavim\u0105.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-8265\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8265\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8265\">\n            <span class=\"accordion-item__header\">Kas atsitiks, jei mano darbo sutartis baigsis prie\u0161 visi\u0161kai i\u0161mokant hipotek\u0105?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8265\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8265\">\n        <div class=\"accordion-item__body\">\n            <p>Tai da\u017enas r\u016bpestis u\u017esienie\u010diams su laikinais darbo kontraktais. Hipoteka yra u\u017etikrinta nekilnojamuoju turtu, o ne tik j\u016bs\u0173 dabartiniu darbu. Daugelis kreditori\u0173 turi patirties su tarptautiniais specialistais ir vertina platesn\u012f j\u016bs\u0173 pajam\u0173 profil\u012f. Mes patariame, kaip strukt\u016bruoti parai\u0161k\u0105, kad \u0161i\u0105 rizik\u0105 suma\u017eintum\u0117te nuo pat prad\u017ei\u0173.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-9266\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-9266\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9266\">\n            <span class=\"accordion-item__header\">Ar Domek gali pad\u0117ti ir su draudimu bei mokes\u010diais kaip ZZP b\u016bsto savininkui?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-9266\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-9266\">\n        <div class=\"accordion-item__body\">\n            <p>Taip. Po pirkimo padedame sutvarkyti tinkam\u0105 b\u016bsto draudim\u0105 ir galime sujungti jus su m\u016bs\u0173 mokes\u010di\u0173 partneriais d\u0117l konsultacij\u0173 apie hipotekos pal\u016bkan\u0173 atskaitym\u0105 ir kitus privalumus. Daugelis ZZP migrant\u0173 ne\u017eino apie \u0161ias mokes\u010di\u0173 lengvatas \u2014 mes u\u017etikriname, kad j\u0173 nepraleistum\u0117te.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-18700\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-18700\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-18700\">\n            <span class=\"accordion-item__header\">Ar Domek gali pad\u0117ti man \u0161io proceso metu mano gimt\u0105ja kalba?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-18700\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-18700\">\n        <div class=\"accordion-item__body\">\n            <p>Taip. Daugelis \u012f mus besikreipian\u010di\u0173 nuominink\u0173 yra u\u017esienie\u010diai, kurie nuomojosi b\u016bst\u0105 kurdami savo gyvenim\u0105 Nyderlanduose. Mes si\u016blome pagalb\u0105 daugiau nei 12 kalb\u0173 ir suprantame specifin\u0119 migrant\u0173 situacij\u0105, kai jie yra pasireng\u0119 pereiti nuo nuomininko prie b\u016bsto savininko. \u0160is \u017eingsnis yra didesnis, nei dauguma \u017emoni\u0173 \u012fsivaizduoja \u2014 ir mes pasir\u016bpiname, kad b\u016btum\u0117te tam pasiruo\u0161\u0119.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-8627\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8627\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8627\">\n            <span class=\"accordion-item__header\">Ar Domek gali man pad\u0117ti mano kalba?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8627\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8627\">\n        <div class=\"accordion-item__body\">\n            <p>Taip. Si\u016blome asmenin\u0119 pagalb\u0105 daugiau nei 12 kalb\u0173, \u012fskaitant lenk\u0173, rumun\u0173, lietuvi\u0173, vengr\u0173, ispan\u0173, bulgar\u0173, hindi, ukrainie\u010di\u0173, portugal\u0173, turk\u0173 ir rus\u0173. Pirkimas u\u017esienyje turi b\u016bti suprantamas \u2014 ir su mumis taip ir yra.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-8948\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8948\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8948\">\n            <span class=\"accordion-item__header\">Ar Domek gali pad\u0117ti visiems pirk\u0117jams skirtingomis kalbomis, jei esame i\u0161 skirting\u0173 \u0161ali\u0173?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8948\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8948\">\n        <div class=\"accordion-item__body\">\n            <p>Taip. M\u016bs\u0173 komanda kalba daugiau nei 12 kalb\u0173. Jei bendrapirk\u0117jai kalba skirtingomis kalbomis, u\u017etikriname, kad kiekvienas pilnai suprast\u0173, k\u0105 pasira\u0161o. Niekas netur\u0117t\u0173 pirkti b\u016bsto kalba, kurios pilnai nesupranta \u2014 ir su Domek to niekada nereikia.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-9049\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-9049\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9049\">\n            <span class=\"accordion-item__header\">Ar draugai ar kolegos gali pirkti nam\u0105 kartu \u2014 ne tik poros?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-9049\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-9049\">\n        <div class=\"accordion-item__body\">\n            <p>Taip. Pirkimas kartu su draugais ar kolegomis tampa vis da\u017enesnis, ypa\u010d konkurencingose rinkose. Domek turi patirties organizuojant hipotekas ne romantiniams bendrapirk\u0117jams ir pad\u0117s jums visame praktiniame ir teisiniame procese. Svarbiausia \u2014 visus susitarimus dokumentuoti prie\u0161 pirkim\u0105.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-8721\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8721\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8721\">\n            <span class=\"accordion-item__header\">Ar galiu nusipirkti but\u0105 tur\u0117damas laikin\u0105 darbo sutart\u012f?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8721\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8721\">\n        <div class=\"accordion-item__body\">\n            <p>Taip, daugeliu atvej\u0173. Kai kurie kreditoriai yra labai atviri tarptautiniams klientams su laikinais kontraktais, ypa\u010d kai darbdavys yra patikimas ar gerai \u017einomas. Mes \u017einome, kurie bankai yra lanks\u010diausi, ir pateiksime j\u016bs\u0173 parai\u0161k\u0105 kuo stipriau.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-18646\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-18646\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-18646\">\n            <span class=\"accordion-item__header\">Ar galiu nusipirkti b\u016bst\u0105 kartu su partneriu ar \u0161eimos nariu?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-18646\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-18646\">\n        <div class=\"accordion-item__body\">\n            <p>Taip. Pajam\u0173 sujungimas gali \u017eenkliai padidinti j\u016bs\u0173 skolinimosi galimybes ir padaryti pirkim\u0105 lengviau pasiekiam\u0105. Domek organizuoja hipotekas iki keturi\u0173 bendrapirk\u0117j\u0173 ir u\u017etikrina, kad visi susitarimai b\u016bt\u0173 tinkamai dokumentuoti \u2014 \u012fskaitant tai, kas nutiks pasikeitus aplinkyb\u0117ms ateityje.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-9274\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-9274\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9274\">\n            <span class=\"accordion-item__header\">Ar galiu gauti hipotek\u0105 kaip savaranki\u0161kai dirbantis asmuo (ZZP) Nyderlanduose?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-9274\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-9274\">\n        <div class=\"accordion-item__body\">\n            <p>Taip. Savaranki\u0161kas darbas netrukdo gauti hipotekos. Procesas yra sud\u0117tingesnis nei dirbantiems pagal darbo sutart\u012f, ta\u010diau Domek specializuojasi ZZP hipotekos parai\u0161kose ir tiksliai \u017eino, kurie kreditoriai yra atviri savaranki\u0161kai dirbantiems pirk\u0117jams \u2014 net nuo pirm\u0173j\u0173 j\u016bs\u0173 veiklos met\u0173.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-9269\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-9269\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9269\">\n            <span class=\"accordion-item__header\">Ar galiu gauti hipotek\u0105, jei mano pajamos kasmet svyruoja?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-9269\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-9269\">\n        <div class=\"accordion-item__body\">\n            <p>Taip, ta\u010diau tai reikalauja kruop\u0161taus pasiruo\u0161imo. Mes padedame sukurti stipriausi\u0105 \u012fmanom\u0105 parai\u0161k\u0105, pasirinkdami tinkam\u0105 kreditori\u0173, paruo\u0161dami tinkamus dokumentus ir pateikdami j\u016bs\u0173 pajam\u0173 istorij\u0105 kontekste. Svyran\u010dios pajamos yra \u012fprastos savaranki\u0161kai dirbantiems asmenims, ir daugelis kreditori\u0173 tai supranta, jei tai tinkamai pateikiama.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-18515\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-18515\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-18515\">\n            <span class=\"accordion-item__header\">Ar galiu gauti hipotek\u0105 namui, kur\u012f \u0161iuo metu nuomoju?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-18515\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-18515\">\n        <div class=\"accordion-item__body\">\n            <p>Taip. Hipotekos procesas yra toks pats kaip ir perkant bet kur\u012f kit\u0105 b\u016bst\u0105. Tai, kad jau gyvenate \u0161iame b\u016bste, gali b\u016bti net privalumas \u2014 j\u016bs gerai pa\u017e\u012fstate nam\u0105 ir nereikia ilgos paie\u0161kos. Mes apskai\u010diuojame j\u016bs\u0173 maksimali\u0105 hipotek\u0105 ir padedame viso proceso metu.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-9265\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-9265\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9265\">\n            <span class=\"accordion-item__header\">Ar galiu gauti pagalb\u0105 savo kalba kaip ZZP migrantas Nyderlanduose?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-9265\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-9265\">\n        <div class=\"accordion-item__body\">\n            <p>Be abejo. Daugelis m\u016bs\u0173 ZZP klient\u0173 yra kvalifikuoti migrantai i\u0161 Lenkijos, Rumunijos, Indijos, Ukrainos ir daugelio kit\u0173 \u0161ali\u0173. Mes teikiame pagalb\u0105 daugiau nei 12 kalb\u0173 ir suprantame specifinius i\u0161\u0161\u016bkius, susijusius su savaranki\u0161ku darbu ir gyvenimu u\u017esienyje Nyderlanduose \u2014 nes tai dar\u0117me t\u016bkstan\u010dius kart\u0173.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-8647\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8647\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8647\">\n            <span class=\"accordion-item__header\">Ar galiu i\u0161nuomoti savo but\u0105 po jo \u012fsigijimo?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8647\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8647\">\n        <div class=\"accordion-item__body\">\n            <p>Tai priklauso nuo j\u016bs\u0173 hipotekos tipo ir kreditoriaus s\u0105lyg\u0173. Standartin\u0117 savininko gyvenamoji hipoteka paprastai neleid\u017eia nuomos be banko leidimo. Mes s\u0105\u017einingai patariame, kas yra \u012fmanoma, o kas ne \u2014 ir jei j\u016bs\u0173 tikslas yra nuoma, nuo pat prad\u017ei\u0173 nukreipsime jus \u012f tinkam\u0105 produkt\u0105.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-8991\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8991\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8991\">\n            <span class=\"accordion-item__header\">Ar vieno asmens pajamos gali b\u016bti daug didesn\u0117s nei kito?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8991\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8991\">\n        <div class=\"accordion-item__body\">\n            <p>Taip, nevienodos pajamos yra labai da\u017enos bendruose pirkimuose. Kreditoriai vertina bendr\u0105 situacij\u0105. Padedame sustrukt\u016bruoti parai\u0161k\u0105 kuo palankiau j\u016bs\u0173 situacijai \u2014 \u012fskaitant nuosavyb\u0117s dali\u0173 paskirstym\u0105.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-9136\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-9136\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9136\">\n            <span class=\"accordion-item__header\">Ar du ar daugiau skirting\u0173 tautybi\u0173 \u017emoni\u0173 gali kartu \u012fsigyti nam\u0105 Nyderlanduose?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-9136\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-9136\">\n        <div class=\"accordion-item__body\">\n            <p>Taip. Domek reguliariai padeda \u017emoni\u0173 grup\u0117ms i\u0161 skirting\u0173 \u0161ali\u0173 kartu \u012fsigyti nekilnojam\u0105j\u012f turt\u0105 \u2014 nesvarbu, ar tai pora, draugai ar \u0161eimos nariai. U\u017etikriname, kad visos pajamos b\u016bt\u0173 tinkamai \u012fvertintos ir kad hipotekos strukt\u016bra veikt\u0173 visiems dalyviams.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-8667\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8667\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8667\">\n            <span class=\"accordion-item__header\">Ar du skirting\u0173 tautybi\u0173 \u017emon\u0117s gali kartu nusipirkti but\u0105?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8667\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-8667\">\n        <div class=\"accordion-item__body\">\n            <p>Taip. Daugelis m\u016bs\u0173 klient\u0173 perka kartu su partneriu ar \u0161eimos nariu i\u0161 kitos \u0161alies. Mes u\u017etikriname, kad abiej\u0173 pajamos b\u016bt\u0173 tinkamai \u012fvertintos, atsi\u017evelgiama \u012f abi teisines situacijas ir kad hipotekos strukt\u016bra tikt\u0173 abiem pus\u0117ms.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-9071\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-9071\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9071\">\n            <span class=\"accordion-item__header\">Ar visi pirk\u0117jai turi gyventi Nyderlanduose?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-9071\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-9071\">\n        <div class=\"accordion-item__body\">\n            <p>Neb\u016btinai. Kai kuriais atvejais vienas pirk\u0117jas gali gyventi u\u017esienyje, nors tai apsunkina hipotekos gavim\u0105. Kiekvien\u0105 situacij\u0105 vertiname individualiai ir atvirai pasakome, kas yra \u012fmanoma, o kas ne j\u016bs\u0173 grupei.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-22123\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-22123\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-22123\">\n            <span class=\"accordion-item__header\">Ar galiu pats kaupti pensij\u0105 Nyderlanduose?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-22123\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-22123\">\n        <div class=\"accordion-item__body\">\n            <p>Taip. Galite kaupti papildom\u0105 pensijos kapital\u0105 per priva\u010dias santaupas arba investicinius pensij\u0173 produktus. Tai ypa\u010d naudinga, jei turite sprag\u0173 valstybin\u0117je ar darbdavio pensijoje.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-22316\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-22316\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-22316\">\n            <span class=\"accordion-item__header\">Ar galiu pasinaudoti pensij\u0173 santaupomis prie\u0161 pensij\u0105?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-22316\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-22316\">\n        <div class=\"accordion-item__body\">\n            <p>Daugeliu atvej\u0173 pensij\u0173 produktai yra skirti ilgalaikiam naudojimui ir neleid\u017eia laisvai naudotis l\u0117\u0161omis iki pensijos. Ta\u010diau \u012fprastos santaupos ar investicijos gali suteikti daugiau lankstumo.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-21387\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-21387\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-21387\">\n            <span class=\"accordion-item__header\">Ar galiu finansuoti renovacij\u0105 nenaudodamas savo santaup\u0173?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-21387\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-21387\">\n        <div class=\"accordion-item__body\">\n            <p>Daugeliu atvej\u0173 taip. Jei j\u016bs\u0173 b\u016bsto vert\u0117 padid\u0117jo, galite tur\u0117ti galimyb\u0119 finansuoti renovacij\u0105 per savo hipotek\u0105. Tai priklauso nuo j\u016bs\u0173 pajam\u0173, b\u016bsto vert\u0117s ir dabartin\u0117s hipotekos situacijos. Mes padedame apskai\u010diuoti, kas yra \u012fmanoma.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-21549\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-21549\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-21549\">\n            <span class=\"accordion-item__header\">Ar galiu finansuoti energij\u0105 taupan\u010dius pagerinimus?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-21549\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-21549\">\n        <div class=\"accordion-item__body\">\n            <p>Taip. Tokie pagerinimai kaip izoliacija, saul\u0117s panel\u0117s ar \u0161ilumos siurblys da\u017enai yra palaikomi bank\u0173 ir kartais gali b\u016bti suteikiami geresn\u0117mis s\u0105lygomis. \u0160ie pagerinimai taip pat gali suma\u017einti j\u016bs\u0173 m\u0117nesines energijos i\u0161laidas.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_b4d5e5cca55c480d4cc513b6b71ea21d-20944\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-20944\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-20944\">\n            <span class=\"accordion-item__header\">Ar galiu gauti nauj\u0105 hipotek\u0105 po i\u0161siskyrimo?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-20944\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_b4d5e5cca55c480d4cc513b6b71ea21d-20944\">\n        <div class=\"accordion-item__body\">\n            <p>Taip. Mes apskai\u010diuojame, kiek galite pasiskolinti pagal j\u016bs\u0173 nauj\u0105 situacij\u0105, \u012fskaitant pajamas ir finansinius \u012fsipareigojimus. Tai padeda suprasti, kokio tipo b\u016bst\u0105 galite sau leisti toliau.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n<\/section>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h2 class=\"wp-block-heading\">Mielai pad\u0117sime<\/h2>\n\n\n\n<p>Turite klausim\u0173? Susisiekite su mumis per WhatsApp arba paskambinkite \u2014 m\u016bs\u0173 komanda yra su jumis kiekviename \u017eingsnyje.<\/p>\n\n\n<section  class=\"block-contact-quicklinks-image \">\n  <div class=\"inner\">\n    <div class=\"cq__intro\">\n                <div class=\"cq\">\n                                      <a class=\"cq__row\"  href=\"tel:31881021500\" target=\"_self\" rel=\"\" >\n            <span class=\"cq__icon\">\n                              <svg width=\"48\" height=\"48\" viewbox=\"0 0 48 48\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                  <rect width=\"48\" height=\"48\" rx=\"5\" fill=\"#126F97\"\/>\n                  <path d=\"M29.2416 27.2471C29.4209 27.135 29.6271 27.0666 29.8415 27.0483C30.056 27.0299 30.2719 27.0622 30.4698 27.1421L38.101 30.3577C38.3582 30.461 38.5729 30.6399 38.7129 30.8676C38.8529 31.0953 38.9107 31.3595 38.8777 31.6207C38.6263 33.3876 37.7012 35.0084 36.2742 36.1818C34.8473 37.3553 33.0158 38.0014 31.1203 38C25.2837 38 19.6861 35.8195 15.559 31.9382C11.4319 28.057 9.11328 22.7928 9.11328 17.3039C9.11183 15.5213 9.79886 13.7989 11.0466 12.4569C12.2943 11.115 14.0179 10.2449 15.8966 10.0085C16.1743 9.97747 16.4553 10.0319 16.6974 10.1635C16.9395 10.2952 17.1298 10.4971 17.2397 10.739L20.6589 17.9217C20.7429 18.1062 20.7771 18.3074 20.7585 18.5073C20.7398 18.7072 20.6689 18.8997 20.5521 19.0676L17.0941 22.9344C16.9714 23.1085 16.8989 23.3095 16.8835 23.5178C16.8682 23.7262 16.9107 23.9347 17.0067 24.1229C18.3449 26.6993 21.1767 29.3305 23.9243 30.5768C24.1256 30.6667 24.3483 30.7057 24.5705 30.69C24.7927 30.6742 25.0067 30.6043 25.1913 30.487L29.2416 27.2471Z\" stroke=\"white\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <\/svg>\n                          <\/span>\n\n            <span class=\"cq__texts\">\n              <span class=\"cq__title\">Skambinkite mums darbo valandomis<\/span>\n                              <span class=\"cq__sub\">+31 88 1021 500<\/span>\n                          <\/span>\n          <\/a>\n                                      <a class=\"cq__row\"  href=\"mailto:info@domek.nl\" target=\"_self\" rel=\"\" >\n            <span class=\"cq__icon\">\n                              <svg width=\"48\" height=\"48\" viewbox=\"0 0 48 48\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                  <rect width=\"48\" height=\"48\" rx=\"5\" fill=\"#126F97\"\/>\n                  <path d=\"M36 14H12C11.7348 14 11.4804 14.1054 11.2929 14.2929C11.1054 14.4804 11 14.7348 11 15V32C11 32.5304 11.2107 33.0391 11.5858 33.4142C11.9609 33.7893 12.4696 34 13 34H35C35.5304 34 36.0391 33.7893 36.4142 33.4142C36.7893 33.0391 37 32.5304 37 32V15C37 14.7348 36.8946 14.4804 36.7071 14.2929C36.5196 14.1054 36.2652 14 36 14ZM33.4287 16L24 24.6437L14.5712 16H33.4287ZM35 32H13V17.2738L23.3237 26.7375C23.5082 26.9069 23.7496 27.0008 24 27.0008C24.2504 27.0008 24.4918 26.9069 24.6763 26.7375L35 17.2738V32Z\" fill=\"white\"\/>\n                <\/svg>\n                          <\/span>\n\n            <span class=\"cq__texts\">\n              <span class=\"cq__title\">Si\u0173sti el. lai\u0161k\u0105<\/span>\n                              <span class=\"cq__sub\">info@domek.nl<\/span>\n                          <\/span>\n          <\/a>\n              <\/div>\n      <\/div>\n  <\/section>\n\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mielai pad\u0117sime Turite klausim\u0173? Susisiekite su mumis per WhatsApp arba paskambinkite \u2014 m\u016bs\u0173 komanda yra su jumis kiekviename \u017eingsnyje.<\/p>\n","protected":false},"author":15,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"Da\u017eniausiai u\u017eduodami klausimai (DUK) | Domek.nl","_seopress_titles_desc":"Turite klausim\u0173 apie b\u016bsto pirkim\u0105, pardavim\u0105, hipotek\u0105 ar paskolas Nyderlanduose? Raskite ai\u0161kius ir prakti\u0161kus atsakymus vienoje vietoje \u2014 be sud\u0117ting\u0173 termin\u0173, tik tikra pagalba.","_seopress_robots_index":"","inline_featured_image":false,"footnotes":""},"class_list":["post-21333","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/domek-nl.bearwithus.nl\/lt\/wp-json\/wp\/v2\/pages\/21333","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/domek-nl.bearwithus.nl\/lt\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/domek-nl.bearwithus.nl\/lt\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/domek-nl.bearwithus.nl\/lt\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/domek-nl.bearwithus.nl\/lt\/wp-json\/wp\/v2\/comments?post=21333"}],"version-history":[{"count":1,"href":"https:\/\/domek-nl.bearwithus.nl\/lt\/wp-json\/wp\/v2\/pages\/21333\/revisions"}],"predecessor-version":[{"id":21335,"href":"https:\/\/domek-nl.bearwithus.nl\/lt\/wp-json\/wp\/v2\/pages\/21333\/revisions\/21335"}],"wp:attachment":[{"href":"https:\/\/domek-nl.bearwithus.nl\/lt\/wp-json\/wp\/v2\/media?parent=21333"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}